Business

Commercial Lending

Because your success is our success

Not all local businesses are created equally and neither are all banks. Redwood Capital Bank is Humboldt County's local, community bank. Being local means you will receive the one-on-one personal service you deserve. All loan decisions are made locally by people who understand your business needs and the needs of our community. We can tailor the right loan to help your business succeed.

Redwood Capital Bank is proud to be Humboldt County's leading Small Business Administration (SBA) Preferred Lender. As an SBA Preferred Lender, Redwood Capital Bank can expedite the SBA loan process for small business customers who are looking to purchase commercial real estate, equipment, inventory as well as working capital. We offer SBA 7(a) and SBA 504 loans which are the largest and most popular of all SBA loan programs.

Account Options

Redwood Capital Bank can help finance commercial real estate purchases, business expansions, construction, renovations and multi-family dwellings. The term for a commercial real estate loan is generally 25 years. Redwood Capital Bank can finance up to 75% on real estate acquisitions for qualified borrowers. Additionally, Redwood Capital Bank is an SBA 504 preferred lender and can provide up to 90% financing on owner-occupied real estate purchases.

Redwood Capital Bank can help finance loans for most new and used equipment and machinery. Terms range from five to ten years, depending upon the life of the equipment being purchased. Redwood Capital Bank can finance up to 90% of the cost of new equipment and up to 80% of the cost for used equipment to qualified borrowers.

Adequate working capital is essential for a successful business. A line of credit from Redwood Capital Bank is the perfect way to know that you will always have the funds available to meet the needs of your business. We offer revolving and non-revolving lines of credit to qualified borrowers with one to three year terms.